Sam's Club credit card, and the best card to use
Sam's Club purchases fall under wholesale clubs. Here are the cards that earn the most there, ranked from live reward data. CashCatch checks your own wallet in a tap.
Sam's Club has its own card — the Sam's Club Mastercard. Issued by Synchrony; earns tiered cash back with higher rates on gas and dining It earns mainly at Sam's Club; the cards below earn everywhere, so it is worth comparing both.
- Membership-only warehouse club owned by Walmart
- Plus members get earlier shopping hours and higher rewards
Top cards at Sam's Club
- 12%Citi Double Cash® Card2% base (everything else)No annual fee
- 22%Synchrony Premier World Mastercard®2% base (everything else)No annual fee
- 32%Wells Fargo Active Cash® Card2% base (everything else)No annual fee
- 42%Capital One Venture Rewards Credit Card2x pts base (everything else)$95/yr annual fee
- 52%Chase Sapphire Preferred® Card2x pts base (everything else)$95/yr annual fee
- 62%Capital One Venture X Business2x pts base (everything else)$395/yr annual fee
Rates come from our live dataset and can change. Always verify with the card issuer before you rely on a number.
How to earn the most at Sam's Club
Wholesale clubs work differently from ordinary retailers. Shopping at Sam's Club generally requires a paid membership, and despite the groceries on the shelves, clubs are usually excluded from grocery bonuses because they code as warehouse or general retail. Some clubs also limit which card networks they accept at the register, so a card that is otherwise ideal may not be usable in store even when it would work online. Fuel centers attached to Sam's Club are commonly excluded from gas bonuses for the same coding reasons.
Picking a card for Sam's Club means weighing acceptance first, then rewards. Confirm which networks Sam's Club accepts in store, since that can rule out otherwise strong cards, and remember that online acceptance is sometimes broader than at the register. A flat everyday card frequently wins at a club because the specialized grocery and gas bonuses usually do not apply. A club's own co-branded card can also reward spending there. Acceptance rules and rates change, so the ranking above reflects current data.
Sam's Club cashback FAQ
Does Sam's Club do cash back?
The cash back you control at Sam's Club comes from how you pay, not from the store. Right now the top card earns 2% back there (Citi Double Cash® Card), and paying with the right card works alongside any Sam's Club loyalty program or promotion you already use.
What is the best credit card to use at Sam's Club?
Citi Double Cash® Card tops the list for Sam's Club, earning 2% here (2% base (everything else)). But the best card is whichever one in your own wallet earns the most on wholesale clubs, which is exactly what CashCatch checks for you in a tap.
Does Sam's Club have its own credit card?
Yes — the Sam's Club Mastercard. Issued by Synchrony; earns tiered cash back with higher rates on gas and dining It earns rewards mainly at Sam's Club and its partners, so it is worth weighing against the cards ranked above, which earn wherever you shop.
Why doesn't my grocery card earn a bonus at Sam's Club?
Warehouse clubs like Sam's Club usually code as a club or general retailer rather than as a supermarket, so grocery bonuses typically do not apply even though you are buying food. The card is working normally; the category simply does not match. A flat everyday card often earns more at Sam's Club than a grocery card that excludes it.
Does Sam's Club accept every card network online too?
Online acceptance at Sam's Club is sometimes broader than in the warehouse, where network restrictions are more common. That means a card you cannot use at the register may still work on the website. Because these policies change, confirm current acceptance on Sam's Club's own site before counting on a specific card.
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